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All Journal Bima Journal : Business, Management and Accounting Journal Journal of Applied Business, Taxation and Economics Reseach
Asriany Asriany
Muhammadiyah University of Palopo
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Influence of Materialistic Value and Fear of Missing Out (FoMO) on Financial Decisions of Active Instagran and TikTok User Among Students Aulia Mulki; Asriany Asriany; Riyanti Riyanti
BIMA Journal (Business, Management, & Accounting Journal) Vol. 7 No. 1 (2026)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.7.1.829-836

Abstract

Purpose: This study aims to examine the influence of materialistic value and Fear of Missing Out (FoMO) on the financial decision-making of university students who are active Instagram and TikTok users. This study is important for understanding the psychological factors that influence financial behaviour in the digital era. Methodology: This study employed a quantitative approach using a survey method. Data were collected through questionnaires distributed to 100 university students in Palopo City, selected using purposive sampling. The data were analysed using multiple linear regression with SPSS. Results: The findings indicate that materialistic value does not have a significant effect on financial decisions, while FoMO has a positive and significant effect on students’ financial decision-making. Simultaneously, both variables significantly influence financial decisions. These findings suggest that psychological pressure and social comparison driven by social media use contribute to students’ financial behaviour. Novelty: This study integrates materialistic value and FoMO in analysing financial decision-making among students who are active users of social media, particularly Instagram and TikTok.  Conclusion: Students’ financial decisions are influenced more by psychological and social factors than by purely rational considerations. Type of Paper: Research Article.
The Relationship between Consumer Lifestyle and Savings Level on Personal Money Management of Students of Muhammadiyah University of Palopo Nur Asrah; Asriany Asriany; Samsul Bachri
Journal of Applied Business, Taxation and Economics Research Vol. 5 No. 5 (2026)
Publisher : PT. EQUATOR SINAR AKADEMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54408/jabter.v5i5.601

Abstract

The purpose of this study is to examine the consumer lifestyle, savings level, and personal financial management of students. This study uses a quantitative approach, with data collected through a structured questionnaire. The population consisted of 1,199 students from the Faculty of Economics and Business, Muhammadiyah University of Palopo (classes of 2022, 2023, and 2024). Using the Slovin formula and random sampling, 93 respondents were selected. Data analysis was carried out using SPSS, including reliability and validity tests, multiple linear regression, coefficient of determination (R2 ) , partial tests (t-tests), and simultaneous tests (F). The results showed that a consumer lifestyle did not have a significant positive effect on financial management, while the savings level had a significant positive effect on financial management.
The Effect of Self-Control and Self-Efficiency on The Personal Financial Behavior of Students from Away from The City Of Palopo Arifah Fadillah; Asriany Asriany; Jumawan Jasman
Journal of Applied Business, Taxation and Economics Research Vol. 5 No. 5 (2026)
Publisher : PT. EQUATOR SINAR AKADEMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54408/jabter.v5i5.606

Abstract

Personal financial management is important for students, but developments in financial technology tend to increase consumer behavior. Financial Services Authority (OJK) data (2022) shows that financial literacy remains low at 49.68%, while Statistics Indonesia (BPS) (2023) recorded a 17% increase in non-essential student spending. This situation is further complicated by the fact that out-of-town students manage their finances independently, suggesting that self-control and self-efficacy influence financial behavior. This study used an associative quantitative approach with a sample of 94 out-of-town students from the Faculty of Economics and Business, Muhammadiyah University of Palopo, from a population of 1,576, determined using the Slovin formula and proportionate stratified random sampling. Data analysis using multiple linear regression showed that self-control had a positive but insignificant effect (Sig. 0.079 > 0.05), while self-efficacy had a positive and significant effect (Sig. 0.000 < 0.05). Simultaneously, both variables had a significant effect with an R² of 0.547, indicating that self-efficacy was a more dominant factor in influencing the financial behavior of out-of-town students.
The Influence of Financial Literacy, Hedonism Lifestyle, Social Media, on Financial Management of Students of The Pharmacy Study Program, Muhammadiyah University of Palopo Sarinayanti Sarinayanti; Asriany Asriany; Riyanti Riyanti
Journal of Applied Business, Taxation and Economics Research Vol. 5 No. 5 (2026)
Publisher : PT. EQUATOR SINAR AKADEMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54408/jabter.v5i5.611

Abstract

Study This aim For analyze influence literacy finance , style life hedonism , social media to management finance study program students Muhammadiyah University Pharmacy Palopo . Study This use approach quantitative with proportionate stratified random sampling technique and survey method on 200 respondents who are student active study program Pharmacy Department of Muhammadiyah University of Palopo 2025/2026 . Data collection was carried out through questionnaire , and data analysis includes validity tests , reliability tests , assumption tests classic , as well as multiple linear regression . Research results show that literacy finance influential positive and significant to management finance students , while style life hedonism No give influence significant . Social media found influential positive and significant to management finance . In terms of simultaneous , third variables the influential significant with contribution by 34.8% against management finance students . Findings This implies that improvement literacy finance and social media utilization in a way educative become factor important in form behavior management more finances​ okay , meanwhile style life hedonistic No is factor dominant in context student Pharmacy.
Co-Authors Arifah Fadillah Aulia Mulki Jumawan Jasman Nur Asrah Riyanti Riyanti Samsul Bachri Sarinayanti Sarinayanti